Is Bread Financial a good company to work for?

Bread Financial has an overall rating of 4.2 out of 5, based on over 1,787 reviews left anonymously by employees. This rating has increased by 1% over the last 12 months. 83% of employees would recommend working at Bread Financial to a friend and 82% have a positive outlook for the business. The best reviews about Bread Financial have been left by employees working as Anonymous , Associate and Senior Analyst .

Does Bread Financial pay their employees well?

According to anonymously submitted Glassdoor reviews, Bread Financial employees rate their compensation and benefits as 4.4 out of 5. Find out more about salaries and benefits at Bread Financial. This rating has improved by 1% over the last 12 months.

How satisfied are employees working at Bread Financial?

83% of Bread Financial employees would recommend working there to a friend based on Glassdoor reviews . Employees also rated Bread Financial 4.3 out of 5 for work life balance, 4.3 for culture and values and 4.0 for career opportunities.

What are the top reviewed jobs at Bread Financial?

Anonymous (106) , Customer Service Representative (99) , Collections Specialist (58) , Associate (30) , Analyst (22) , Collections (22) , Payment Solutions Specialist (22) , Customer Care Representative (21) , Manager (21) , Software Engineer (21) , Customer Care Advocate (19) , Senior Analyst (19) , Collections Representative (16) , Supervisor (16) , Customer Service Representative (CSR) (13)

What are the pros of working at Bread Financial according to real employee reviews?

"Great Benefits and always assessing the marketplace" ((in 191 reviews)); "Good pay and it was remote" ((in 140 reviews)); "Good and good work life balance" ((in 119 reviews)); "The culture is great as we help our community and the company helps those across the nation when tragedy strikes." ((in 116 reviews)); "Great people and very clean place." ((in 105 reviews))

What are the cons of working at Bread Financial according to real employee reviews?

"Poor management, and lack of structure." ((in 54 reviews)); "Senior leadership only talks about sunshine and rainbows like they're dellusional." ((in 35 reviews)); "Some employees try to act like managers and are not even professional acting to even do that." ((in 32 reviews)); "Things that I (and other employees at my level) were seeing would go unnoticed by immediate supervisors and/or managers." ((in 24 reviews)); "Not always forth coming Communication isn’t always clear" ((in 14 reviews))

What are employees saying about Bread Financial layoffs in 2026?

Explore Glassdoor’s employee reviews to understand what current and former employees are saying about Bread Financial layoffs and their outlook for job security at Bread Financial in 2026.

What are the top reviewed Bread Financial locations?

Columbus , Rio Rancho , Plano , Lenexa , Westerville , Westminster , Draper , New York , Dallas , San Antonio , Coeur d'Alene , Milford , Houston , Denver , Chadds Ford , Kansas City , Albuquerque , Cincinnati , Whitehall , Ohio City , Akron , Salt Lake City , Texas City , Overland Park , Kansas City , Chicago , Irving , Spokane , Ohio , Ohio

Bread Financial reviews

4.2

83% would recommend to a friend

(1,718 total reviews)

Ralph Andretta

91% approve of CEO

82% positive business outlook

Ratings by category

4.5

Diversity & inclusion

4.4

Compensation and benefits

4.3

Culture & values

4.3

Work/Life balance

4.0

Senior management

4.0

Career opportunities

Bread Financial has an employee rating of 4.2 out of 5 stars, based on 1,718 company reviews on Glassdoor which indicates that most employees have an excellent working experience there. The Bread Financial employee rating is in line with the average (within 1 standard deviation) for employers within the Financial Services industry (3.7 stars).

Ratings by demographic groups

Race / Ethnicity

Gender

Sexual orientation

Disability

Parent or family caregiver

Veteran status

Reviews by job title

2K reviews

4.0

Jan 15, 2025

Good company but hard work

Collections associate

Recommend

CEO approval

Business Outlook

Pros

Bread was a good company to work for. They had amazing benefits, good support from management, and the best work/life balance I've ever received. However, in my department as a collections associate, it was hard to meet monthly quotas. You have to really be on your Ps and Qs to try and make enough money. If you don't meet your monthly quotas, eventually they will fire you. But they give you plenty of chances before that happens.

Cons

The only con I can really remember is the management sometimes switched too often. I worked there for a year and a half and had probably 3 different supervisors in that time. They don't get fired, they will just move your team around.

Bread Financial Response

1y

We appreciate the well-balanced review and you sharing your experience with us! We can agree Collections can be a challenging role that takes a certain mindset to be successful! Thank you for the time you were with us. Good luck in your future endeavors!

4.0

Jan 13, 2025

Number, number, and more numbers- Oh My!

Customer service associate

Recommend

CEO approval

Business Outlook

Pros

The Customer Service representees were top notch professionals. Wonderful work life balance that is important if you have a family. Pay was higher than most jobs in the industry here. Level up - Gamefication was the answer to motivating and training employees.

Cons

This company uses numbers to rate all employees. I was there a decade and was never able to advance because of their number system. I felt like I was treated like a child that was never fully trusted. I hope that this company uses Gamification with Level up. The Level Up platform is under used at Bread Financial. This program has the ablitiy to made learning and training fun. I wish this company would use this program to train for leadership. Have Linked in trainings and give incentives to go into management. Level Up could also be used to motivate employees positively. Bread Financial sees Level Up as a same platform- Level up could train and evaluate your employees. Sadly, this company Likes numerical results- and will automate in the future. PLEASE, Level Up and Bread would be industry Leaders!

Bread Financial Response

1y

We appreciate the opportunity to address your feedback. We take your concerns seriously and will also pass along these details to the appropriate audiences.

1.0

Jan 10, 2025

Typical Call Center Job

Customer care representative

Recommend

CEO approval

Business Outlook

Pros

-Work from Home -Good amount of PTO and PSL starting out -Internet Stipend -Nice computer/equipment

Cons

-Being on camera for training -Old systems/software -PTO must be approved or else it counts against you as an occurrence -Dealing with rude customers -Confusing trailing/residual interest on credit cards -Lack of flexible schedules -Unrealistic metrics

Bread Financial Response

1y

We value your honesty and we're sorry to hear about your cons. We definitely agree with you that we have great employee benefits! We wish you all the best in your career journey!

Viewing 154 - 156 of 1,718 Reviews

Jobs at Bread Financial

Security Officer - 2nd Shift

Senior Staff Enterprise Architect - Agentic AI

Artificial Intelligence (AI) Operations Manager

Senior Technical Product Owner

Bread Financial

Bread Financial reviews

Ratings by category

Ratings by demographic groups

Reviews by job title

Good company but hard work

Number, number, and more numbers- Oh My!

Typical Call Center Job

Jobs at Bread Financial

Bread Financial reviews FAQs

Want the inside scoop on your own company?

Bowls

Followed companies

Job searches

Bread Financial reviews FAQs

Jobs at Bread Financial